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Terms & Conditions

Web Site Terms and Conditions of Use

Welcome to WOCCU.org. WOCCU.org
is owned and operated by the World Council of Credit Unions,
Inc. and/or
its affiliated companies (collectively, “WOCCU”). These
Website Terms and Conditions of Use (“Terms”) contain the terms and conditions
upon which WOCCU is willing to provide you access to and use of this WOCCU Website and all related pages, information, databases, materials and services
(collectively, the “Site”), and govern (i) any donations you make to WOCCU
through the Site, (ii) any request you make to WOCCU to subscribe to any WOCCU
mailing list, (iii) your use of the International Remittance Network, and (iv)
your use and purchase of any seminars, products and/or services available
through the Site (collectively, the “Services”). These Terms form a contract
between you and WOCCU. If you do not agree to be bound by these Terms, you may
not access or use the Site or the Services. Use of the Site or purchase or use
of the Services indicates your acceptance of these Terms, WOCCU’s Website Privacy Policy and any other separate terms and conditions you
expressly agree to be bound by when purchasing or using such Services. Please scroll down through these Terms to review
important provisions regarding arbitration, limitation of liability, waivers,
indemnities and other important provisions.

If you have questions
regarding these Terms, please contact WOCCU at mail@woccu.org.

License

You may only use this Site
if you are at least 18 years of age. By
accessing any portion of the Site, you have a limited license to use the Site
and Services, including the limited right to view, bookmark, download and
print, for your noncommercial, personal use and information only, those pages
of the Site that interest you, subject to any other terms and conditions of use
and/or payment in these Terms or on the Site. These Terms cannot be waived or modified by
any oral communications between you and WOCCU.

Updating Terms

WOCCU reserves the right, at its discretion, to
change, delete and update portions of these Terms or other policies that govern use of the
Site at its discretion, at any time, for any reason, including the right to
terminate the Services or any part of the Services. You should review these Terms periodically for changes. Any
amendments and modifications by WOCCU will be prospective only, and unless
otherwise provided in this Agreement, will be effective upon being posted on
the Site. The Terms can be accessed
from the link at the bottom of each Site page. If you use the Site after we
post changes to the Terms, you agree to the changed Terms.

If you have an account or
other relationship with WOCCU, that
relationship is governed by the agreement specific to that particular account
or relationship; provided that nothing in these other agreements shall diminish
the protections and rights provided to WOCCU under these Terms. Except as may be expressly provided in additional
terms of use for specific areas of the Site or the above-referenced agreements,
these Terms constitute the entire agreement between you and WOCCU with respect to the use of the Site.

Services Information

Without limiting the disclaimer language in these Terms,
the Services information contained on this Site is believed to be accurate at
the time of posting. However, from time-to-time WOCCU may find it necessary to
make revisions. WOCCU reserves the right to make all such changes without
notice. Therefore, please contact WOCCU
at (608) 395-2000 or mail@woccu.org to confirm the existence of any Services that
are material to your purchase decision.

WOCCU Registration and Personal
Information and Unauthorized Use

When you register, sign-up for, or purchase any WOCCU products or
services, whether through the purchasing process or otherwise, you agree to
provide true, accurate, current and complete information, whether through questionnaires,
registration forms or other information requests, including, without
limitation, passwords, usernames, login IDs, credit card and financial
information and other personally identifiable information (collectively,
“Personal Information”). You agree not to provide Personal Information that is
false, inaccurate, misleading, or fraudulent. You agree to provide WOCCU with
any information reasonably requested by WOCCU related to the provision of the Services.
You are solely responsible for all transactions and transmissions that occur
through the use of your Personal Information, and it is your responsibility to
maintain and promptly update your Personal Information. You agree that WOCCU is
not liable to you or any third party for damages or losses related to the
accuracy or disclosure to WOCCU of your Personal Information. It is your
responsibility to maintain the confidentiality of your Personal Information. WOCCU
requires that you agree not to share your Personal Information with another
person, nor allow another person to use your Personal Information. This
requirement will assist in preventing unauthorized use or misuse of the Site
and protect you, WOCCU and other Site users. If you believe that someone has used your Personal
Information to access any WOCCU services without your authorization, please
contact WOCCU immediately at (608) 395-2000 or mail@woccu.org.

Please review WOCCU’s Website
Privacy Policy for more information regarding WOCCU’s policies and
procedures for disclosing and using your Personal Information. Subject to the Website Privacy Policy, WOCCU retains a perpetual,
irrevocable, non-exclusive, royalty-free, worldwide license to use and store
your information (in any media, currently known or unknown) related to these
Terms or WOCCU’s provision of the Services.

You agree not to impersonate any person or entity, misrepresent
any affiliation with another person, entity or association, use false e-mail or
other headers, or otherwise conceal your identity from WOCCU for any purpose.

You allow WOCCU to use your likeness and name in publications and promotional materials.

Information Available on Site

WOCCU relies on a
variety of sources for the information it provides on the Site, including
without limit information related to its Services. This information is provided
to you in good faith based on the information available to WOCCU. WOCCU believes
that the information is current and accurate but does not guarantee it.

Fees and Payment

You are responsible for promptly paying all fees associated
with your use or purchase of the Services (the “Fees”) at the time of purchase.
You are also responsible for any applicable federal, state, or local franchise
fees, surcharges, sales and use taxes and any other taxes (except those related
to WOCCU’s net income) related
to the Services (collectively, the "Taxes"). You shall promptly pay
all Taxes at the time of purchase.

If you dispute any Fees related to purchase of any
Services, you shall provide WOCCU with written notice
describing such dispute in reasonable detail and shall include with such notice
all documentation as may be reasonably required to support your position
regarding the dispute. All disputes
regarding any Fees must be submitted to WOCCU within 90 days of the
purchase of the applicable Services. If you do not submit a claim within such
time period, you waive all rights to dispute such Fees.

If the
dispute is resolved in favor of WOCCU and you have withheld the
disputed amount, any payments withheld pending settlement of the disputed amount
shall bear interest at eighteen percent (18%) per annum or the highest amount
permitted by law, whichever is lower, from the payment due date up to and
including the date of payment. WOCCU shall be entitled to
recovery of all costs and expenses (including reasonable attorneys’ fees and
costs) incurred in enforcing your compliance with this Agreement.

Restrictions on Use of WOCCU Materials and the Site

Your license to use the
Site includes the limited right to view, bookmark, download and print, for your
non-commercial, personal use and information only, those pages of the Site that
interest you. Your use of any materials or software from the Site is terminable
by WOCCU at any time under the
circumstances described in these Terms.

WOCCU or its content providers own all of the content, materials
and other intellectual property related to the Site and the Services, including
without limit all text, graphics, photographs, music, data, images, audio and
video clips, software, names, button icons, logos, images, designs, titles,
words or phrases, page headers, service names, trademarks, patents and copyrights
(collectively, “Materials”). You have no rights to the Materials, except as
expressly set forth in these Terms. Any use of the Materials, except as permitted
by these Terms, is expressly prohibited.

The contents and use of the Site (including WOCCU’s name and the
logos and software used in the Site) are registered and/or protected by U.S. and
international copyright, trademark, and other laws. You agree to retain all
copyright and other proprietary notices contained in the Site or the Services.
You may not delete or change any copyright or trademark notices, and cannot
alter or modify the content in any manner without the express written
permission of WOCCU.

You further agree you may
not:

use the Site to transmit, copy, reproduce, republish,
upload, post, transmit, e-mail, or distribute in any way material or content
that infringes any copyright, trademark, proprietary, or other right of any
party or that violates these Terms;

copy (except as set forth above for non-commercial
personal use), modify, distribute, create any derivative or compilation work
from, or display WOCCU’s name or logo, or any text, graphic images, or other
content from the Site or redeliver such content using framing or similar
technology;

use any device designed to provide repeated automated
access to the Site other than those made generally available by WOCCU;

include “World Council of Credit Unions” or any other WOCCU
trademarked materials, the name of any WOCCU personnel or any variation of
these items as a metatag or hidden textual element, or in any other fashion
that may create a false or misleading impression of affiliation, sponsorship,
or endorsement between WOCCU and you, any other party, or any other website, or
otherwise use these items without WOCCU’s express written permission;

collect, harvest or store personal data about other
users of the Site;

upload, e-mail or otherwise transmit to WOCCU or
through the Site or any WOCCU computer network any of the following: a
sexually-explicit image or statement; advertising, promotional or other
unauthorized communication, including without limitation, “junk mail,” surveys,
unsolicited e-mail, “spam,” “chain letters,” “pyramid schemes” or other
inappropriate or prohibited materials; and any material that contains viruses,
Trojan horses, worms, time bombs, cancelbots, easter eggs or any other computer
code, files or programs that might interrupt, limit or interfere with, damage,
surreptitiously intercept or expropriate any system, data or information
related to the Site or any computer software, hardware or communications
equipment that is owned, leased or used by WOCCU;

create a link to the Site without WOCCU’s prior written
permission;

use the Site to advertise or perform any commercial
solicitation;

use the Site to post or transmit any threatening,
false, misleading, abusive, harassing, libelous, defamatory, vulgar, obscene,
scandalous, inflammatory, pornographic, or profane material or any material
that could constitute or encourage conduct that would be considered a criminal
offense, give rise to civil liability or otherwise violate any law.

use any robot, spider, scraper or any other automated
means to access the Site or the Services for any purpose without WOCCU’s express
written permission;

forge any TCP/IP packet header or any part of the
header information in any email or posting;

take any action that imposes, or may impose, in WOCCU’s
sole discretion, an unreasonable or disproportionately large load on the WOCCU infrastructure;

interfere or attempt to interfere with the proper
working of the Site, the Services or any activities conducted on the Site; or

bypass measures used by WOCCU to prevent or restrict
access to the Site or the Services, violate or attempt to violate the security
or authentication measures of the system, or attempt to prove, scan, or test
the vulnerability of a system or network without proper written authorization
from WOCCU.

WOCCU reserves the right
to disclose the identity of anyone posting or transmitting any information or
materials violating the above prohibitions to law enforcement authorities or
pursuant to any court order requesting or directing WOCCU to disclose such
information.

WOCCU does not represent or guarantee the
truthfulness, accuracy or reliability of communications posted by users, nor
does WOCCU endorse any opinions
expressed by users or any third parties using the Site. Any reliance on
material posted by other users shall be at your own risk.

Termination, Removal
of Materials and Monitoring

These Terms are effective
until terminated by either party. If you no longer agree to be bound by these
Terms, you must cease use of the Site and Services. You agree that WOCCU may terminate, restrict or suspend all or part
of your license to access the Site and delete any content transmitted to or
through the Site, at any time, at its sole discretion, without prior notice to
you and without any liability to you. WOCCU also reserves the right to take any action relating to user-submitted
information that it deems necessary or appropriate if such information, as
determined in WOCCU’s sole
discretion, may create liability for WOCCU, its agents or its contractors or may affect WOCCU’s business relationships or contracts with
its agents or its contractors. WOCCU further reserves the right to remove any materials that are
defamatory, abusive, illegal, harassing, immoral, disruptive or do not conform
to these Terms—though WOCCU
shall be under no affirmative obligation to monitor any of the foregoing or to
otherwise screen or monitor any communications or information prior to their
posting. You agree that WOCCU has the right, but is not obligated, to
monitor your use of the Site and any communications made by you related to such
use in any manner. You release WOCCU from any liability related to its monitoring
activities. If WOCCU denies you access to the Site, you agree to
destroy all materials obtained from the Site and all copies of those materials
with the exception of your personal customer-account-related materials. You
acknowledge that, upon termination, WOCCU may immediately deactivate or delete
your account and all related information and files in the account and bar you
from further access to the files, the Site, and the Services.

Website Linking and Cautions About
Third-Party Information Included in Site

For your general informational use only, WOCCU may provide access to third party Websites. These
links allow you to leave the Site. WOCCU is unable to verify, and takes no responsibility for, the contents of
any third party Website that may be linked to the Site via hyperlink or
otherwise, whether such link is provided by WOCCU or by a third party (including any responsibility for the accuracy, timeliness
or suitability of the content of any third party Website to which WOCCU may link). By providing access to other
websites, WOCCU is not
recommending or supporting any third party, is not recommending the purchase or
sale of any products or services of a third party and is not endorsing or
acknowledging that it is affiliated with any website's sponsoring organization. WOCCU does not expressly, or by
implication, endorse, recommend, or make any representations or warranties
related to any commercial product, process or service (whether by trade name,
trademark, service mark, generic description or referral to a distributor or
manufacturer) referred to on any third party site or related to creation of
links to such site. Before relying on any information contained on any third
party Website, you are cautioned to undertake your own independent evaluation
of its accuracy, completeness, usefulness, timeliness and correct sequencing,
and protections against potential viruses and other malicious code in
downloaded material.

WOCCU may include third party information in the
Site for general informational purposes only. WOCCU is unable to verify the accuracy or
completeness of third party information posted to the Site or accessible from
the Site. Consequently, you agree WOCCU does not guarantee, and is not liable to you for, the accuracy,
results, completeness, authorship or suitability of any third party content and
WOCCU is not obligated to
maintain, verify, update or post any corrections to such third party
information for any reason. Nothing in
the Site referencing any third parties with whom WOCCU conducts business, and nothing in these
Terms, shall be deemed to create any agency relationship or affiliation with,
or endorsement or sponsorship of, such third parties or you or make the third
parties or you partners or joint venturers with WOCCU, or otherwise provide you or any third
parties with any rights to act on WOCCU’s behalf.

Disclaimers and Limitations of Liability

In using this Site you acknowledge and accept
that there are risks, including, without limitation, the risk of harm of people
acting under false pretenses. You assume all risks associated with dealing with
other users with whom you come in contact through the Site and other parties
that use the Site or your Personal Information for unauthorized or illegal
purposes.

TO THE EXTENT
PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ALL INFORMATION, SERVICES, SOFTWARE
AND CONTENT AVAILABLE THROUGH THE SITE, AND THE SITE ITSELF, ARE FURNISHED FOR
GENERAL INFORMATIONAL PURPOSES ONLY, AND ARE FURNISHED TO YOU ON AN “AS IS” AND
“AS AVAILABLE” BASIS WITHOUT ANY IMPLIED OR EXPRESSED WARRANTY OF ANY KIND
(INCLUDING WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY,
FITNESS FOR A PARTICULAR PURPOSE, SUITABILITY, SECURITY, CORRECTNESS AND NON-INFRINGEMENT).
THE WOCCU PARTIES MAKE NO
REPRESENTATION OR WARRANTY REGARDING, ARE NOT RESPONSIBLE FOR, AND DISCLAIM ALL
LIABILITY FOR, THE CONTINUED AVAILABILITY, RELIABILITY, ACCURACY, RESULTS OR
PERFORMANCE OF THE SITE OR ANY MATERIAL ON THE SITE, THE PERFORMANCE OF THE
INTERNET, THE DOWNLOADING COMPATIBILITY OF ANY MATERIALS OR SOFTWARE WITH YOUR
COMPUTER SYSTEM, THE EXISTENCE OF ANY VIRUS, WORM, MALICIOUS CODE OR OTHER DISABLING
DEVICE FROM ANY SOURCE, THE UNAUTHORIZED ACCESS TO OR USE OF YOUR INFORMATION
BY A PARTY OTHER THAN WOCCU, ANY
TECHNICAL FAILURES (INCLUDING HARDWARE OR SOFTWARE FAILURES), INCOMPLETE,
SCRAMBLED, OR DELAYED COMPUTER TRANSMISSIONS, AND/OR TECHNICAL INACCURACIES, OR
LOSS OR USE OF DATA, AS WELL AS UNAUTHORIZED ACCESS OF USER TRANSMISSIONS BY
THIRD PARTIES ARISING OUT OF OR RELATED TO THESE TERMS. NO ONE IS AUTHORIZED TO
MAKE ANY WARRANTY ON WOCCU’S
BEHALF, AND YOU CANNOT RELY ON ANY OTHER STATEMENT OF WARRANTY. YOU
ASSUME RESPONSIBILITY FOR THE ACCURACY, APPROPRIATENESS AND LEGALITY OF ANY
INFORMATION YOU SUPPLY TO WOCCU.

YOU AGREE THAT WOCCU,
ITS SUBSIDIARIES, AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS,
AGENTS AND SUPPLIERS (COLLECTIVELY THE “WOCCU PARTIES”) ARE NOT LIABLE FOR ANY CONSEQUENTIAL, SPECIAL, INDIRECT, EXEMPLARY, OR
PUNITIVE DAMAGES. IN NO EVENT SHALL THE WOCCU PARTIES’ TOTAL LIABILITY TO YOU FOR ANY DAMAGES,
LOSSES, FEES AND EXPENSES (INCLUDING ATTORNEYS' FEES), WHETHER IN CONTRACT,
TORT, TRESPASS OR OTHERWISE EXCEED THE AMOUNT (IF ANY) PAID BY YOU TO WOCCU TO PURCHASE THE PARTICULAR PRODUCTS OR
SERVICES WHICH FORM THE BASIS OF YOUR CLAIM, THE AMOUNTS PAID BY YOU TO WOCCU
TO PURCHASE PRODUCTS OR SERVICES IN THE THREE (3) MONTHS PRECEDING ANY CLAIM
WHERE YOUR CLAIM DOES NOT RELATE TO PRODUCTS OR SERVICES PURCHASED, OR $100 IF
YOU HAVE NOT PAID ANY AMOUNTS TO WOCCU. IF YOU LIVE IN A STATE THAT DOES NOT ALLOW THE WAIVER OF CERTAIN
WARRANTIES, OR LIMITATIONS OR DAMAGES WAIVERS DESCRIBED IN THIS SECTION, SOME
OF THESE WAIVERS AND LIMITATIONS MAY NOT APPLY TO YOU. YOU AGREE TO PROMPTLY
NOTIFY WOCCU IN WRITING IF YOU
BELIEVE YOU HAVE ANY CLAIM AGAINST THE WOCCU PARTIES, AND, IN ANY EVENT, YOU AGREE THAT ANY CLAIM
NOT BROUGHT WITHIN ONE YEAR OF YOUR DISCOVERY SHALL BE DEEMED WAIVED AND
RELEASED.

Any references on the Site to product or
service warranties provided by WOCCU related to products or services already purchased by you are provided
for informational purposes only. These references are not intended to extend,
republish, or modify any warranties that accompanied the products or services
at time of purchase or to create new warranties.

If you provide WOCCU with an e-mail address for information
delivery or otherwise request a non-secure delivery of information, you agree
not to hold WOCCU responsible for any misuse or unauthorized viewing of that information.

Indemnification

In consideration of your use of the Site, you
hereby agree to indemnify the WOCCU
Parties (and any of its third party service providers) from and against any and
all claims, losses, liabilities, damages, costs and expenses (including,
without limitation, reasonable attorneys' fees and costs) arising out of or
related to: (i) your (a) breach of these Terms, (b) violation of any person's
or entity's legal rights (including, without limitation, copyright, patent,
trade secret, trademark, or other proprietary rights, or publicity, contract,
moral, or privacy rights) (c) violation of any applicable law, rule or
regulation, or (d) negligence, recklessness, or misconduct; or (ii)
unauthorized use of your Personal Information by a party other than WOCCU.

Applicable Law

WOCCU controls and operates the Site from our
offices within the State of Wisconsin in the United States.
If you choose to access the Site from other locations, you do so at your own
risk and initiative and are responsible for compliance with any applicable
local laws and regulations. You agree that the laws of the State of Wisconsin (excluding any
choice of law rules) govern your rights and obligations relating to WOCCU and your use of the Site.

Exports

You
agree to comply with all United
States export laws and regulations and all
applicable foreign export laws and regulations. You assume sole responsibility
for any required export approval and/or licenses and all related costs and for
the violation of any United
States export law or regulation. You
acknowledge that export of the products or services and any related documentation,
in whole or part, contrary to United
States law is prohibited. You agree that no
part of the products or services available through the Site, either in whole or
part, is being acquired for shipment, transfer, or re-export, directly or
indirectly, to proscribed, embargoed, or prohibited countries or their
nationals, denied destinations, or for prohibited activities or for weapons.

Severability and Waiver

If any provision of these Terms is found to be invalid by
any court having competent jurisdiction, the invalidity of such provision shall
not affect the validity of the remaining provisions of these Terms, which shall
remain in full force and effect.

No
failure to exercise and no delay in exercising, by WOCCU, any right, power or
privilege hereunder shall operate as a waiver hereof, except as expressly
provided herein. Any waiver by WOCCU of a breach of any provision of these
Terms shall not be deemed to be a waiver of any other or subsequent breach and
shall not be construed to be a modification of the Terms unless and until
agreed to in writing by WOCCU.

Additional Terms

Certain areas of this Site may be subject to
additional terms of use. By using such areas or any part thereof, you agree to
be bound by the additional terms of use applicable to such areas.

Copyright Agent for Claims of Copyright
Infringement

Pursuant to the Digital
Millennium Copyright Act, WOCCU designates the agent below
to receive notifications of claimed copyright infringement. If you reasonably
believe that your work has been copied in a way that constitutes copyright
infringement, please provide to WOCCU’s designated agent the
following information:

an electronic or physical signature of the person
authorized to act on behalf of the owner of the copyright interest;

a description of the copyrighted work that you claim
has been infringed;

a description of where the material that you claim is
infringing is located on the Site;

your address, telephone number, and e-mail address;

a statement by you that you have a good faith belief
that the disputed use is not authorized by the copyright owner, its agent, or
the law; and

a statement by you, made under penalty of perjury, that
the information included in your notification is accurate and that you are the
copyright owner or authorized to act on behalf of the copyright owner.

Dispute Resolution

If a dispute arises between you and any of the WOCCU
Parties, it is the goal of WOCCU to work in good faith with you to quickly and
amicably resolve the dispute. All disputes, claims, or controversies (“Claims”)
arising under or relating to these Terms, the Site, or the Services that cannot
be resolved informally, will be finally resolved by binding arbitration as
described herein.

Any dispute arising under or related to these Terms,
the Site, or the Services (including the arbitrability of such a dispute and
the existence, validity, interpretation, performance, termination or breach
thereof) shall be finally settled by binding arbitration by a single arbitrator
in accordance with the then-current Commercial Arbitration Rules of the
American Arbitration Association ("AAA"), with the arbitration to be
commenced no later than one (1) year after such Claim accrues (in absence of
which it shall be deemed forever waived).
A judgment upon an arbitrator’s award may be entered by any court of
competent jurisdiction. The arbitrator
shall be an expert in the field of Internet services. To the extent permitted by applicable law,
you agree that there shall be no class action arbitration related to these
Terms, the Site, or the Services. All
parties shall bear their own expenses, except that the parties shall equally
share the expenses of the arbitrator (except for the required non-refundable
filing fees which shall be paid solely by the party asserting the related
Claim).

The above obligations to arbitrate shall not: (i)
apply to violations of the Restrictions on Use of WOCCU Materials contained
above; or (iii) prevent a party from seeking a preliminary injunction,
temporary restraining order, specific performance or other procedures in a
court of competent jurisdiction to obtain interim relief when deemed necessary
by such court to preserve the status quo or prevent irreparable injury pending
resolution by arbitration of the actual dispute.

Exclusive jurisdiction and venue for arbitration or
any other legal action or proceeding in any way related to the Site, the
Services, or these Terms shall be in Madison,
Wisconsin. Any matter brought before a court shall be
brought solely in the state or federal courts located in Madison, Wisconsin.
The parties hereby waive their right to a jury trial.

Notwithstanding
the foregoing, any and all disputes arising under or in relation to this Site
involving the privacy concerns of citizens of a Member State
of the European Union shall be resolved in accordance with WOCCU’s Website Privacy Policy, which adheres to the Safe
Harbor Principles developed by the U.S. Department of Commerce and the European Union.

Independent Parties

For purposes of these
Terms, the parties hereto shall be independent contractors and neither shall at
any time be considered an agent or employee of the other. No joint venture, partnership, or like
relationship is created between the parties by this Agreement.

Entire Agreement

These Terms, and any
policies referenced and attached hereto, constitute the entire agreement
between you and WOCCU related to the Site and services. All prior agreements, representations,
statements, negotiations, and undertakings with respect to the subject matter
herein are superseded by these Terms.
These Terms may not be amended, altered or added to in any manner except
as set forth by a document in writing and signed by an authorized
representative of each party. If there
is a conflict between these Terms and any terms appearing on the Site, or in
any policies, those terms that are more favorable to WOCCU shall govern.

Headings

The headings of the sections in these Terms are strictly for convenience and
shall not in any way be construed as amplifying or limiting any of these
Terms.

Survival
of Obligations

The terms that by their nature are intended to survive
beyond the termination, cancellation, or expiration of these Terms shall
survive.